Financing of agriculture

UniCredit Group understands the specific business conditions of agriculture in all 22 European countries where it operates. Based on a long local tradition dating back to Živnostenská banka and the shared experience from UniCredit’s Europe-wide network, we have prepared for you a special approach for financing agricultural business activities.

We understand the irregular income, the long-term and uncertain return on investments in livestock production, and income’s dependence on natural conditions.

With our good knowledge of agricultural business and our personal approach, we will help you find the most appropriate solution to meet your needs.

Financing of agricultural operations and investments

For financing of investment plans or bridging a temporary gap between revenues and expenditures, it is suitable to consider the benefits of bank loans.

  • Do you need short-term operating capital to finance the purchase of seed for the next season or to cover expenses ahead of harvest?
  • Are you planning to carry out investment projects necessary to modernise your production?
  • Are you acquiring crop land for your farming enterprise?
  • We stand ready to consult your needs.
  • We will be pleased to advise as to what type of loan is most suited to your objective with a view to your budget, total project costs, subsidy possibilities, and cash flows during implementation.
  • We also can propose appropriate drawing and repayment periods while advising you on the interest rate choices and the length, frequency and type of instalments

Investment loan

Short-, medium- or long-term loans for carrying out investment projects, with fixed or floating interest rates.

If you have received a subsidy from the Rural Development Programme (RDP), we have prepared for you a special loan which combines drawing of the loan with the possibility of extraordinary payment from a subsidy and long-term repayment of the remaining principal.

  • We adjust loan instalments to seasonal revenues in agriculture.
  • We provide investment loans for real estate as well as purchase of agricultural equipment.
  • All loans meet the conditions of the PGRLF and RDP subsidy programmes.
  • Loans for purchasing agricultural land with maturity up to 15 years.

If you are repaying a loan with a floating interest rate, we offer the possibility to safeguard against a possible rise in interest costs.

Contact one of our bank advisors, who, together with an investment specialist, who can prepare you an offer for hedging of interest rates.

Operating capital loanr

This product is designed to cover the irregular agricultural cycle. Make use of a short-term operating capital loan to finance the purchase of fertilizers and seeds or to cover increased costs prior to harvest.

The loan features a floating interest rate and regular instalments. We offer various possibilities for securing the loan without having to pledge your assets.

  • Drawing on a loan without the need to document its purpose.
  • Obtain funds immediately to cover operating expenses.
  • Short-term loans with no pledge of real estate or other assets.

Financing of agricultural equipment

Do you need to buy a new tractor or a harvester for your business at affordable prices? Do you plan to purchase other agricultural equipment? If so, financing with UniCredit Leasing CZ, a. s., is the right solution. Choose any leasing or loan product from the Agro line to finance your new machinery!

More about financing of agricultural equipment through UniCredit Leasing.

Subsidies advisory

European Union funding opportunities for agriculture will continue to be available after expiry of the transitional period in 2022. Take advantage of our solid knowledge and experience with grant project funding and do not hesitate to contact us for advice when deciding on preparing your own project. We have experts in EU funding and agriculture all around the Czech Republic who would be happy to visit you.